If an applicant declines to provide the race, ethnicity, or sex in an application taken entirely by mail, Internet, or telephone, should the lender attempt to identify the missing information --- for example, based on the applicant's voice...?

Compliance > Regulation C - HMDA > FFIEC FAQs
Q:  If an applicant declines to provide the race, ethnicity, or sex in an application taken entirely by mail, Internet, or telephone, should the lender attempt to identify the missing information --- for example, based on the applicant's voice or surname?
 
A:  No. If an application is taken entirely by mail, Internet, or telephone, and the applicant declines to provide information on ethnicity, race, or sex, the lender must use the code for "information not provided by applicant in mail, Internet, or telephone application."
 

This can be found in FFIEC’s FAQs on HMDA-related questions, which can be found at:  http://www.ffiec.gov/hmda/faq.htm

Add Feedback